Pelaksanaan Perjanjian Pinjaman Di Koperasi Unit Desa Langgeng Di Desa Marsawa Kecamatan Sentajo Raya Kabupaten Kuantan Singingi

Wijayanto, Defri Ario (2021) Pelaksanaan Perjanjian Pinjaman Di Koperasi Unit Desa Langgeng Di Desa Marsawa Kecamatan Sentajo Raya Kabupaten Kuantan Singingi. Other thesis, Universitas Islam Riau.

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Abstract

The Langgeng Village Unit Cooperative in Marsawa Village, Sentajo Raya District, Kuantan Singingi Regency is one of the same credit cooperatives as other credit cooperatives. Its goal is to advance and prosper its members. But in its implementation there are still obstacles in the cooperative, one of which is in the process of implementing the loan agreement there are still defaults made by members / customers in paying installments. But in its implementation there are still obstacles in the cooperative, one of which is in the process of implementing the loan agreement there are still defaults made by members / customers in paying installments. The main issues raised were the Implementation of the Loan Agreement and the Inhibiting Factors for the Implementation of the Loan Agreement in the Langgeng Village Cooperative Unit, Marsawa Village, District, Sentajo Raya, Kuantan Singingi Regency. The author uses the Observational Research method by means of a survey, namely research with data collection tools in the form of questionnaires and interviews. Meanwhile, when viewed from the nature of this research is descriptive analytic, namely research that describes and explains the situation in the field. The results of the research show that the implementation of the loan agreement at the Langgeng Village Cooperative Unit, Marsawa Village, Sentajo Raya District, Kuantan Singingi Regency, namely members / customers who wish to apply for a loan must become members or part of the cooperative and in carrying out loans the cooperative provides conditions which is written in the borrowing process. And in the inhibiting factor in the cooperative, including the problem of delays in members / customers in making installment payments or what is called default. Many members / customers are still in default of their obligation to pay installments each month. This of course hinders the process of implementing savings and loans, the cooperative should be more assertive in dealing with the problem of delays made by customers / members and provide sanctions that have been mutually agreed upon. The settlement of disputes carried out by the cooperative uses a family method, namely in the form of negotiations between the two parties concerned.

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